江苏银行（600919）(600919.SH)于8月22日发布了2025年半年度报告。报告显示，截至2025年6月30 日，该行实现营业收入448.64亿元，同比增长7.78%；其中利息净收入329.39亿元，同比增长19.10%， 占营业收入比重达73.4%，成为业绩增长的核心驱动力。归属于母公司股东的净利润达202.38亿元，同 比增长8.05%。平均总资产收益率(年化)为0.96%，较去年同期下降0.12个百分点。 零售业务同样表现亮眼。报告期末，零售存款余额9484亿元，较上年末增长15.25%；零售贷款余额 6955亿元，较上年末增长3.07%。财富管理业务快速发展，零售AUM规模超1.59万亿元，半年新增突破 1600亿元，创历史新高。个人养老金账户累计开立突破120万户；自营消费贷新增客户数是去年同期的 1.88倍，绿色消费贷款余额较去年同期增加36%。显示出在零售业务领域的深度布局。 小微企业金融服务成效显著。报告期末，全行小微贷款余额超7500亿元，普惠型小微贷款余额2358亿 元，较上年末新增253亿元。科技贷款、涉农贷款分别达2740亿元、2900亿元。江苏银行通过打造产业 服务体系，结 ...

Core Viewpoint - The Chinese government is accelerating the introduction of policies to support small and micro enterprises, particularly in financing, to stabilize the economy and enhance financial services for these businesses [1][2]. Group 1: Policy Measures - The Financial Regulatory Bureau has issued a notice outlining the goals for small and micro enterprise financial services by 2025, focusing on maintaining credit support, improving service quality, stabilizing loan pricing, and optimizing supply structure [1][4]. - The notice emphasizes the importance of a coordinated financing mechanism to ensure that credit funds reach small and micro enterprises quickly and effectively [2][3]. Group 2: Financial Support and Coordination - A financing coordination mechanism has been established to facilitate low-cost funds reaching small and micro enterprises, with over 67 million businesses visited and loans amounting to 12.6 trillion yuan issued, of which about one-third are credit loans [2]. - The notice calls for enhanced support for foreign trade enterprises, particularly small and micro businesses, to mitigate the impact of external shocks such as increased tariffs [2][3]. Group 3: Credit Supply and Pricing - As of the first quarter of this year, the balance of inclusive small and micro enterprise loans reached 35.3 trillion yuan, reflecting a year-on-year growth of 12.5%, with an average interest rate of 3.66% [4]. - The notice sets specific targets for maintaining stable credit growth and requires banks to focus on the genuine operational funding needs of small and micro enterprises [4][5]. Group 4: Service Quality Improvement - The notice mandates banks to enhance the quality of financial services for small and micro enterprises by optimizing internal resource allocation and establishing clear mechanisms for accountability [7][8]. - It also encourages banks to discover and nurture first-time borrowers and improve the implementation of renewal loan policies, while providing comprehensive services such as payment settlement and financial consulting [8].